398 Point Harbor Dr, West Point, MS 39773 Property Records

Clay County property record for 398 Point Harbor Dr, West Point, MS 39773

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,341 sqft · built 2002
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on Record
Last Sale	$225,400 (Dec 2008)
Tax Bill	$1,862 (2025)
Deeds & Mortgages	Sep 2026 Mortgage
Flood Zone	Zone AE (high risk)
APN	`088B 19B 0013100`

Property Details

APN / Parcel Number

Primary APN	`088B 19B 0013100`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Building Area	3,341 sqft Finished Area
1st Floor Area	1,944 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	28,314 sqft (0.65 acres)
Deck Area	52 sqft

Location & Zoning

Street Address	398 POINT HARBOR DR
City	WEST POINT
State	MS
Zip	39773-6655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 19 T 17 R 08 LOT NE 1/4 NE 1/4 & PT SEC 18 (LOT 5 BLK B POINT HARBOR) DB 263/172
Legal Range	08E
Legal Township	17
Legal Section	19
Legal Subdivision	POINT HARBOR SUBDIVISION
Legal Block	B
Legal Lot Number	5
Jurisdiction	CLAY MS
Township / Civil Division	2
Census Block Group	3
Census Block	3016
Census Tract	950500

Owner

Source: Clay County records, as of October 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	398 POINT HARBOR DR, WEST POINT, MS 39773-6655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2008 · Amount on Record
Deed Sale	Dec 15, 2008 · Amount on Record
Deed Book / Page	263 / 172
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Recording Date	Sep 28, 2026
Property Address	398 POINT HARBOR DR, WEST POINT, MS 39773-6655
Document Number	0000003469
Book / Page	586 / 786
Instrument Date	Sep 24, 2026
Instrument	20263469
Transaction Type	Mortgage
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6318 WOLFE RD, COLUMBUS, MS 39705-9630

Mortgage

Document Number	0000003469,
Date	Sep 28, 2026
Book Page	586/786
Instrument	20263469

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

Source: Clay County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Clay County
Unified School District	West Point Consolidated School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,862.00 (-38.26%)	$32,117 (-) Land $1,500 Building $30,617	$214,112 (-) Land $10,000 Building $204,112
2024		$32,117 (+20.83%) Land $1,500 Building $30,617	$214,112 (+20.83%) Land $10,000 Building $204,112
2023	$3,016.00 (+1.51%)	$26,581 Land $1,500 Building $25,081	$177,208 Land $10,000 Building $167,208
2022	$2,971.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 41 policies
Nearby Flood Policies	41 in force
Nearby Flood Claims	43 (1990–2021)
Most Recent Claim	Jun 2021 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Mudslides, Feb 2020 · 7 claims Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Feb 2019 · 18 claims Severe Storms, Tornadoes & Flooding, May 1991 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Mississippi
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WEST POINT serves 15,062 people · EPA ID MS0130008
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
4-County Fiber Fiber	1,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20